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Original filing (PDF)20251014145250NAL0006436482002
FIVE RIVERS CARPENTERS DISTRICT COUNCIL
Form 5500
FILING_RECEIVED
FIVE RIVERS CARPENTERS DISTRICT COUNCIL HEALTH & WELFARE FUND
Health & welfare plan
Signals · 3
~112 bps in Sched C feesNo recordkeeper disclosed8 service providers
Active participants
533
Accounts w/ balance
—
Plan assets (EOY)
$33.4M
Net assets (EOY)
$32.9M
How this plan invests
This plan
14 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- 112 bps in Schedule C fees — 288% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for FIVE RIVERS CARPENTERS DISTRICT COUNCIL.
Plan sponsor
Name
FIVE RIVERS CARPENTERS DISTRICT COUNCIL
DBA
HEALTH & WELFARE FUND
EIN
42-6149936
Address
1831 16TH AVENUE SW · CEDAR RAPIDS, IA · 52404
Phone
(319) 362-6062
Industry
Other Services (ex. Public Admin)see all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
501
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Welfare benefit codes
4A · Health (other than dental or vision)
4Q · Other
Audit & trust (Schedule H)
Auditor
UHY, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
8 rowsOther
8| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EASTERN IOWA FRINGE BENEFIT FUNDS | 42-1395230 | CEDAR RAPIDS, IA | NONE | $169K | — |
| BLAKE & UHLIG, P.A. | 48-0918231 | — | NONE | $79K | — |
| FOSTER & FOSTER | — | OAK BROOK TERRACE, IL | NONE | $47K | — |
| MEKETA INVESTMENT GROUP | 35-2323525 | CHICAGO, IL | NONE | $25K | — |
| UHY, LLP | 20-0694403 | WEST DES MOINES, IA | NONE | $22K | — |
| BRADLEY HAUGE, CPA | — | CEDAR RAPIDS, IA | NONE | $18K | — |
| ROMOLO & ASSOCIATES | 37-1077733 | PEORIA, IL | NONE | $10K | — |
| MACNELL ACCOUNTING & CONSULTING | — | DES PLAINES, IL | NONE | $5K | — |
Investments
14 direct securities· $31.2M(93% of reported assets)
Uncategorized
$29.0M
13 holdings
Mutual Funds
$2.2M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Carillion Reams Unconstrained Bond Funds 309,020 shares | — | — | $4.1M | $3.8M | 11.3% | |
| DoubleLine Total Return Bond Fund 416,646 shares | — | — | $3.7M | $3.6M | 10.8% | |
| Dodge & Cox Stock Fund 13,382 shares | — | — | $2.7M | $3.4M | 10.3% | |
| Blackstone Alternative Multi-Strategy Fund 310,051 shares | — | — | $3.3M | $3.3M | 10.0% | |
| Goldman Sachs Large Cap Growth Insights Fund 84,828 shares | — | — | $2.6M | $2.9M | 8.6% | |
| WCM Focused International Growth Fund 114,466 shares | — | — | $2.3M | $2.5M | 7.5% | |
| Harbor International Fund 55,829 shares | — | — | $2.6M | $2.5M | 7.4% | |
| DFA Emerging Markets Core Equity Portfolio 98,632 shares | — | — | $2.0M | $2.3M | 6.9% | |
| Vanguard Small-Cap Index Fund 18,700 shares | Mutual Funds | — | $867K | $2.2M | 6.5% | |
| Exchange Traded Note Alerian MLP Index Exchange Traded Note 62,586 shares | — | — | $1.5M | $1.8M | 5.5% | |
| Vanguard Short-Term Inflation-Protected Securities Index Fund 55,077 shares | — | — | $1.3M | $1.3M | 4.0% | |
| Short-term Investments * Schwab Bank Sweep for Benefit Plans 772,190 shares | — | — | $772K | $772K | 2.3% | |
| Collective Investment Trust LongView Build America Bonds VEBA Fund (Hedged) 4,240 shares | — | — | $504K | $742K | 2.2% | |
| Schwab Government Money Fund 28,580 shares | — | — | $29K | $29K | <0.1% |